复利投资与定投储蓄模拟器
指数级财富增长模型 • 定投增量 • 纯前端实时复利模拟
📈 复利与长期定投模拟器
累计投入本金
$70,000.00
累计获得利息
$36,654.12
期末资产总额
$106,654.12
🛡️ 100% 浏览器本地离线隐私保护
所有财务与换算计算全部在您本地浏览器 JavaScript 引擎中执行，绝不向任何云端服务器发送财务隐私数据。
⚡ 零网络延迟即时反馈
基于浏览器原生高性能浮点计算，输入数值瞬间呈现结果，无加载等待。
数学算法模型与常见问题
What formula governs compound interest with deposits?
Future Value = P*(1 + r/n)^(nt) + PMT * [((1 + r/n)^(nt) - 1) / (r/n)].
How often is interest compounded in this model?
This simulator compounds interest on a standard monthly frequency (12 times per year) matching periodic additions.
Does this simulator account for inflation?
It calculates nominal future value; real return can be approximated by subtracting expected inflation from the rate.